재보험계약원칙(PRICL) version 1.0에 대한 약간의 검토
A Brief Review of the Reinsurance Contract Principle (PRICL) Version 1.0
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초록
2010년 유럽보험계약법원칙(PEICL)은 PEICL을 재보험계약에 적용하지 않는다고 규정하였다. 그 이유는 EU회원국 대부분 국가의 보험계약법에서 재보험계약에 대한 보험계약법의 적용을 전면 배제하고 있다는 것이었다. 이에 따라 민간이 주축이 된 프로젝트 그룹은 재보험계약법원칙(PRICL) 작성 작업을 시작하였다. 이 작업의 목표는 계약법에 대한 통일된 연성규범(soft law)을 재보험시장에 제공하고자 하는 것이다. 이 프로젝트는 미국법률협회(ALI)가 추진하는 재록(restatement)과 비슷한 목적을 갖고 있으며 작성 형식도 비슷하다. ALI의 리스테이트먼트는 법의 명료화와 단순화를 제고하고 사회적 요구를 수용하며 재판에 유용하게 활용될 학문적이고 과학적인 법률 작업을 돕기 위해 작성된다. PRICL 프로젝트 그룹은 2019년에 그때까지의 성과를 공표하였다. 이것은 「재보험계약법원칙 1.0 버전」으로 명명되었다. 프로젝트 그룹은 2023년 말까지 이 작업을 완성할 계획이었지만 코로나19 팬데믹 등의 사정으로 인하여 마무리하지 못하고 있다. 우리나라는 세계적으로 보험(및 재보험)시장에서 중요한 비중을 차지한다. 재보험계약의 특성상 PRICL은 EU뿐 아니라 우리에게도 큰 영향을 미칠 것이 분명하다. 그럼에도 불구하고 우리 학계에서 PRICL에 대한 연구가 부족한 점은 아쉽다. 본고는 PRICL 의 작성경위와 1.0버전의 내용에 관한 기본적 사항을 간략히 소개한 것이다. 앞으로 추가되는 조항은 물론 전체 조문의 정밀한 검토가 필요하다.
Abstract
In 2010, the European Principle of Insurance Contracts (PEICL) stipulated that PEICL did not apply to reinsurance contracts. The reason was that the insurance contract law of most EU member states completely excluded the application of the insurance contract law to reinsurance contracts. Accordingly, the project group led by the private sector began to write the Reinsurance Contract Law Principles (PRICL). The goal of this work is to provide a unified soft law for contract law to the reinsurance market. This project has a similar purpose to the restatement promoted by the American Legal Association (ALI) and has a similar writing format. ALI's restatement is intended to enhance the clarity and simplification of the law, accommodate social needs, and encourage the performance of academic and scientific legal work useful in trials. Project Group published its achievements so far in 2019. It was named PRICL version 1.0. PRICL Project Group planned to complete the work until the end of 2023, but failed to complete it due to COVID-19 pandemic and other reasons. Korea occupies a significant portion of the global insurance(and reinsurance)market. Nevertheless, the author regret the lack of research on PRICL in Korean academia. This paper briefly introduces the basic matters of PRICL's preparation process and version 1.0. As well as the provisions to be added in the future, a detailed review of the entire article is required.
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